WealthUp

WealthUp originally began as Young and the Invested, a platform focused on delivering top-notch financial guidance to young individuals and their families. Establishing good financial habits early on increases the likelihood of making smart money choices later in life. This lays the groundwork for achieving financial independence, allowing individuals to retire on their own terms. We believe that everyone should have access to trustworthy information to enhance their financial literacy. Therefore, while we will continue to offer excellent financial education for kids, teens, and parents under the Young and the Invested name, we are broadening our reach. Through WealthUp, we aim to provide valuable insights to individuals of all ages, backgrounds, and financial journeys.

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Articles

ūüéď529 Surplus? 5 Smart Ways to Use Those Funds

1 week ago | wealthup.com | Rocky Mengle

You stashed thousands of dollars in a 529 college savings plan so your child can attend college. But what happens to the unused 529 funds if your child decides not to go to college, gets a full scholarship, picks a much less expensive school than you expected, receives an appointment to a military academy, or otherwise doesn‚Äôt need all the money you saved? If you‚Äôre not careful, you could be hit with a big federal income tax bill and an IRS penalty if you have leftover 529 funds.
11 Best CD Alternatives to Capture Interest With Low Risk [2025]

1 week ago | wealthup.com | Kyle Woodley

Certificates of deposit (CDs) are popular savings vehicles. They’re safe, and they’re interest-bearing, so it’s easy to see why people flock to them. However, depending on your needs, a CD isn’t always the best choice. If you want higher returns, better liquidity, or just a little more diversification in your portfolio, you might want to consider other options.
The Boomerang Effect: Should You Let Your Kid Move Back Home After College?

1 week ago | wealthup.com | Riley Adams

Empty nest, full of questions? Your adult child is ready to fly back home, and you’re navigating this new chapter. Whether it’s a financial reset, career transition, or just a need for a change of scenery, it’s a big decision for both of you. But you’ll need to weigh a number of considerations before committing either way. Let’s go over some of the common pros and cons of letting your child move back into your home after they graduate.
The Millennial Retirement Scorecard: 14 Statistics About Their Retirement Readiness

1 week ago | wealthup.com | Riley Adams

Millennials have faced so many financial and economic hurdles in saving for retirement that it’s surprising they still have the stamina to keep sprinting toward their goals. This generation has the highest percentage of consumers with student loan debt. Many entered the workforce during or in the aftermath of the Great Recession. They’re past the golden era of pensions. They suffered through the COVID-19 pandemic.
ðŸš€ Credit Score Goals: 5 Easy Ways Minors Can Establish Credit

1 week ago | wealthup.com | Riley Adams

As parents, you want to do the best you can for your kids by teaching them good habits from an early age. While wanting to do everything for them, sometimes all you can do is show them the best way to do something, provide encouragement and pointers and then leave the rest in their hands. This matches the experience many parents face when worrying about how to help their teenagers start building credit. Credit-building is a journey that takes time, dedication and perseverance.
Strategic Ways to Pass Down IRAs: How to Protect Your Heirs from Tax Headaches

1 week ago | wealthup.com | Riley Adams

You worked hard to have a comfortable life and pass on some wealth to your heirs. Unfortunately, if not done strategically, the transition of your wealth could result in a substantial tax burden for whoever inherits it. Don’t let your final gift to your heirs be a tax bomb. Sure, people typically prefer receiving money with a high tax burden than not receiving the money at all.
Roth Conversions: Strategic Move or Costly Retirement Mistake?

1 week ago | wealthup.com | Riley Adams

Sometimes, life goes one way when you planned on it to go another. In the case of retirement planning, let’s say you’ve been saving money in a tax-deferred retirement account (like a traditional individual retirement account (IRA) or employer-sponsored 401(k) plan) that lets you skip taxes when you contribute and only pay the piper once it’s time to make withdrawals in retirement. But midway through your career, your goals or circumstances change.
9 Best-in-Class Fidelity Index Funds With Razor-Thin Fees

1 week ago | wealthup.com | Kyle Woodley

Fidelity has built much of its reputation on the back of its well-run actively managed mutual funds. But you shouldn’t sleep on Fidelity’s index funds. Many of Fidelity’s indexed products charge paper-thin fees—often at or at least near the bottom of their category. In fact, a handful are free to own. But Fidelity also keeps investing low-cost in another way that only a select few other fund providers can boast: investment minimums.
đź¤”Diversify Smarter: Is VTI or VOO Your Best Bet?

1 week ago | wealthup.com | Riley Adams

Investors who want to quickly, cheaply, and efficiently own a large number of U.S. stocks have a plethora of options. And many investors with the same goals end up making their way to a pair of Vanguardâ€™s most popular funds: the Vanguard Total Stock Market ETF (VTI) and the Vanguard S&P 500 ETF (VOO). VTI and VOO are exchange-traded funds (ETFs) that invest in large swaths of American stocks.
When and How to Adjust Your Tax Withholding

1 week ago | wealthup.com | Rocky Mengle

Even though you only have to file a federal income tax return once per year, you generally must make tax payments to the IRS periodically during the year. If you work for someone else, it’s easy: Your employer will withhold income taxes from your paycheck and send that money to the IRS to satisfy this requirement. But what if the amount withheld from your pay isn’t quite right? If too much tax is withheld, you’ll get a refund when you file your tax return.